-Physical risk: someone may get hurt
-customers worry about their privacy 
-they worry about confidentiality and personal information 
 -Economic risk: believing to have made the wrong choice while selecting an innovation rather than -waiting for a cheaper one
 -fear of losing money
-fear to make mistakes while using a mobile phone to carry out financial transactions
-Functional risk: ability to function properly
-concerns about internet disconnection
-Social risk: fear of being misjudged